# FinanceGenius.AI (remote · mcp.financegenius.ai)

India's financial MCP — Indian cards, loans, FDs, MFs; EMI/SIP/tax calcs; NSE/BSE quotes; RAG.

- Trust score: 63/100 (medium)
- Change this week: +5
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `mcp.financegenius.ai`: 63/100 (this document), [markdown](https://verifymcp.io/servers/sbanerjee1875-financegenius/mcp.md), [page](https://verifymcp.io/servers/sbanerjee1875-financegenius/mcp)

## Channel facts

- Endpoint: `https://mcp.financegenius.ai/mcp/`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 57/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 12 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 73/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1552 tokens (~129/item across 12 items; 12 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 67/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 0% of tool parameters carry a description.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http sbanerjee1875-financegenius https://mcp.financegenius.ai/mcp/
```

### Codex

```toml
[mcp_servers.sbanerjee1875-financegenius]
url = "https://mcp.financegenius.ai/mcp/"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "sbanerjee1875-financegenius": {
      "type": "remote",
      "url": "https://mcp.financegenius.ai/mcp/",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add sbanerjee1875-financegenius --url https://mcp.financegenius.ai/mcp/ --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  sbanerjee1875-financegenius:
    url: "https://mcp.financegenius.ai/mcp/"
```

### Other

```json
{
  "mcpServers": {
    "sbanerjee1875-financegenius": {
      "type": "http",
      "url": "https://mcp.financegenius.ai/mcp/"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-02 (score 63, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 62, +2)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 60, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-29 (score 60, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-28 (score 59, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 58, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 58)

First indexed and scored.

## MCP tools (12)

### `search_indian_products` (~137 tokens)

Search FinMall.AI's catalog of Indian financial products.

        Args:
            product_type: One of 'credit_card', 'loan', 'deposit', 'insurance', 'investment'.
                          Omit to search across all categories.
            search_query: Free-text search (matches name + description).
                          E.g. 'cashback', 'home loan', 'HDFC'.
            min_rating: Filter to products with rating >= this value (1-5 scale).

        Returns:
            Up to 10 matching products, sorted by popularity.

Input parameters:

- `min_rating`
- `product_type`
- `search_query`

### `get_product_details` (~64 tokens)

Get full details of a specific product by its slug.

        Args:
            product_slug: The URL-safe identifier (e.g. 'hdfc-millennia-credit-card').
                          Get slugs from search_indian_products.

Input parameters:

- `product_slug` (string, required)

### `compare_products` (~84 tokens)

Side-by-side compare 2-4 products of the same category.

        Args:
            product_slugs: List of 2-4 product slugs. All must be in the same
                           category (e.g. all credit cards, or all FDs).

        Returns:
            A markdown comparison table highlighting feature differences.

Input parameters:

- `product_slugs` (array, required)

### `calculate_emi` (~112 tokens)

Calculate EMI for a loan with year-by-year amortisation schedule.

        Args:
            principal: Loan amount in rupees.
            annual_rate: Annual interest rate as a percentage (e.g. 10.5 for 10.5%).
            tenure_months: Loan tenure in months.

        Returns:
            Monthly EMI, total interest, total payment, and amortisation schedule.

Input parameters:

- `annual_rate` (number, required)
- `principal` (number, required)
- `tenure_months` (integer, required)

### `calculate_sip` (~88 tokens)

Calculate future value of a Systematic Investment Plan (SIP).

        Args:
            monthly_amount: Monthly SIP contribution in rupees.
            annual_return_pct: Expected annual return (e.g. 12 for 12%).
            years: Investment horizon in years.

Input parameters:

- `annual_return_pct` (number, required)
- `monthly_amount` (number, required)
- `years` (integer, required)

### `calculate_cagr` (~78 tokens)

Calculate the Compound Annual Growth Rate (CAGR) of an investment.

        Args:
            initial_value: Initial investment in rupees.
            final_value: Final value in rupees.
            years: Holding period in years.

Input parameters:

- `final_value` (number, required)
- `initial_value` (number, required)
- `years` (integer, required)

### `calculate_fd_maturity` (~124 tokens)

Calculate FD maturity amount with compounding.

        Args:
            deposit_amount: Principal deposit in rupees.
            annual_rate: Annual interest rate as a percentage.
            years: FD tenure in years (e.g. 1.5 for 18 months).
            compounding: One of 'monthly', 'quarterly', 'half_yearly', 'yearly'.
                         Most Indian FDs compound quarterly.

Input parameters:

- `annual_rate` (number, required)
- `compounding` (string)
- `deposit_amount` (number, required)
- `years` (number, required)

### `calculate_indian_income_tax` (~177 tokens)

Compute Indian income tax for FY 2025-26 under old or new regime.

        Args:
            annual_income: Gross annual income in rupees.
            regime: 'new' (default) or 'old'.
            deductions_80c: Section 80C deductions in rupees (max ₹1,50,000, old regime only).
            deductions_80d: Section 80D health-insurance premium (old regime only).
            hra_exemption: HRA exemption amount (old regime only).

        Returns:
            Slab breakdown, total tax, effective rate, regime comparison.

Input parameters:

- `annual_income` (number, required)
- `deductions_80c` (number)
- `deductions_80d` (number)
- `hra_exemption` (number)
- `regime` (string)

### `get_mutual_fund_nav` (~97 tokens)

Get the latest NAV of an Indian mutual fund by AMFI scheme code.

        Args:
            amfi_scheme_code: AMFI scheme code (e.g. '119598' for SBI Bluechip Direct).
                              Find codes at mfapi.in or amfiindia.com.

        Returns:
            Scheme name, latest NAV, NAV date, fund house, scheme type.

Input parameters:

- `amfi_scheme_code` (string, required)

### `explain_financial_concept` (~138 tokens)

Answer financial questions using FinMall.AI's hybrid knowledge base.

        Searches across product brochures, regulatory guides, calculators help,
        and live product database using BM25 + semantic + product DB search
        fused with Reciprocal Rank Fusion. Best for explainers like:
        'what is a critical illness rider?', 'how does APR work?',
        'difference between ELSS and PPF?'.

        Args:
            query: The financial question or concept to explain.
            institution: Optional — narrow search to one institution (e.g. 'hdfc-bank').

Input parameters:

- `institution`
- `query` (string, required)

### `find_best_fd` (~183 tokens)

Rank Indian Fixed Deposits by net-of-tax yield for a given amount + tenure.

        Args:
            amount: Investment amount in rupees.
            years: FD tenure in years (e.g. 1.5 for 18 months).
            is_senior_citizen: True to use senior-citizen rates (typically +0.5%).
            tax_slab_pct: Investor's income tax slab as a percentage (5/10/20/30).
                          FD interest is fully taxable; this is used for net-yield ranking.

        Returns:
            Top 5 FDs sorted by net-of-tax maturity, each showing gross & net amount.

Input parameters:

- `amount` (number, required)
- `is_senior_citizen` (boolean)
- `tax_slab_pct` (number)
- `years` (number, required)

### `find_best_card_for_spend` (~149 tokens)

Recommend Indian credit cards based on spending pattern.

        Args:
            monthly_spend: Total monthly card spend in rupees.
            primary_category: One of 'grocery', 'fuel', 'dining', 'travel',
                              'online_shopping', 'utilities', 'general'.
            annual_income: Annual income to filter cards by eligibility (optional).
            prefer_no_annual_fee: True to prioritise lifetime-free cards.

        Returns:
            Top 5 cards with estimated annual cashback/rewards value.

Input parameters:

- `annual_income`
- `monthly_spend` (number, required)
- `prefer_no_annual_fee` (boolean)
- `primary_category` (string, required)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/sbanerjee1875-financegenius/mcp#diagnostics

## Score history

- 2026-08-03: 63
- 2026-08-02: 63
- 2026-08-01: 62
- 2026-07-31: 62
- 2026-07-30: 60
- 2026-07-29: 60
- 2026-07-28: 59
- 2026-07-27: 58
- 2026-07-26: 58

## Links

- Remote endpoint: https://mcp.financegenius.ai/mcp/
- Repository: https://github.com/sbanerjee1875/Financegenius.ai
- Website: https://finmall.ai/
- Changelog RSS feed: https://verifymcp.io/servers/sbanerjee1875-financegenius/mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/sbanerjee1875-financegenius/mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/sbanerjee1875-financegenius/mcp